Call reports 2003
HOMESTAR BANK AND FINANCIAL SERVICES — 2003
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 350,868,000 | 372,711,000 | 376,720,000 | 369,287,000 |
| Total loans | 231,304,000 | 233,212,000 | 249,365,000 | 228,103,000 |
| Allowance for loan losses | 2,668,000 | 2,223,000 | 2,298,000 | 2,162,000 |
| Securities available for sale | 40,877,000 | 64,847,000 | 57,609,000 | 70,387,000 |
| Securities held to maturity | 1,826,000 | 1,826,000 | 1,826,000 | 1,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,351,000 | 269,537,000 | 279,309,000 | 271,653,000 |
| Interest-bearing deposits | 242,607,000 | 245,100,000 | 253,272,000 | 247,751,000 |
| Noninterest-bearing deposits | 28,744,000 | 24,437,000 | 26,037,000 | 23,902,000 |
| Equity capital | 27,692,000 | 27,585,000 | 27,031,000 | 26,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,110,000 | 10,150,000 | 15,505,000 | 20,673,000 |
| Interest expense | 2,093,000 | 4,128,000 | 6,183,000 | 8,176,000 |
| Net interest income | 3,017,000 | 6,022,000 | 9,322,000 | 12,497,000 |
| Noninterest income | 3,784,000 | 6,982,000 | 8,595,000 | 9,778,000 |
| Noninterest expense | 2,835,000 | 5,788,000 | 9,033,000 | 12,279,000 |
| Provision for loan losses | 355,000 | 460,000 | 565,000 | 565,000 |
| Pretax income | 3,720,000 | 6,865,000 | 8,428,000 | 9,548,000 |
| Income tax | 74,000 | 69,000 | 50,000 | 13,000 |
| Net income | 3,646,000 | 6,796,000 | 8,378,000 | 9,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,086,000 | 26,735,000 | 26,792,000 | 26,830,000 |
| Total capital | 29,754,000 | 28,958,000 | 29,090,000 | 28,992,000 |
| Risk-weighted assets | 228,064,000 | 233,865,000 | 243,869,000 | 241,824,000 |